Author: Maria Sparagis

As President of DirectPayNet, I make it my mission to help merchants find the best payment solutions for their online business, especially if they are categorized as high-risk merchants. I help setup localized payments modes and have tons of other tricks to increase sales! I am an avid traveler, conference speaker and love to attend any event that allows me to learn about technology. I am fascinated by anything related to digital currency especially Bitcoin and the Blockchain.

Credit Card Decline: Invalid Card Number, No Such Card Error

Failed payment, declined transaction, invalid purchase. Broken credit card with cross cancel sign flat design.

Trying to find the solution to “what does it mean when card error missing to account?” We’ve got you covered. Credit card declines with “Invalid Card Number” or “No Such Card Number” errors create frustrating experiences for both merchants and customers. Let’s break down what these errors mean and how to handle them effectively. TURN […]

Down Selling Meaning: Save Sales When Customers Say No

Text sign showing Higher Retention. Business photo text ability of an organization to retain its employees

Have you ever watched a potential sale slip away because your price point didn’t match your customer’s budget? Smart marketers know that securing a smaller sale beats losing a customer completely. Downselling is a strategy of offering a lower-priced alternative when customers decline your initial offer. It’ll helps you capture revenue that might otherwise walk […]

Average Fees for Credit Card Processing in 2025

Person swiping a credit card through a card reader at checkout

Average credit card transaction fees typically range from 1.5% to 3.5% per transaction. While this may seem like a small percentage, these fees can quickly add up – especially for small businesses processing high volumes. Here’s the reality: accepting credit cards isn’t optional anymore. Businesses that don’t accept cards are leaving money on the table. […]

Credit Card Decline Code 05: Do Not Honor (solution)

do not honor error code stripe credit card decline code 05

Is your store riddled with “Do Not Honor” messages? You’re not alone. These codes harm your business and can ultimately lead to account termination. A cleaner processing statement not only looks better but also improves your odds of getting better rates. These decline codes are also not card network-specific. They apply to Visa, Mastercard, Discover, […]

Split Testing for Pricing Will 10x Your Global Sales

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I’ve seen countless businesses leave money on the table by using one-size-fits-all pricing. Let’s explore how strategic price testing across different regions can dramatically boost your conversion rates. OPTIMIZE YOUR CHECKOUT Geographical Price Testing I discovered throughout the years that geographical split testing for pricing can transform businesses. Companies implementing this strategy consistently see growth […]